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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,081 | $135,645-43.9% | $110,243-31.0% | $135,380-43.8% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -5.12% | 513.24%-518.4pp | 314.76%-319.9pp | 519.81%-524.9pp |
| Employer contribution / active EE | $4,504 | $4,907-8.2% | $3,827+17.7% | $4,779-5.8% |
| Participant deferral / active EE | $7,591 | $5,507+37.8% | $4,672+62.5% | $5,609+35.3% |
| Admin fee / account holder | $459 | $11,458-96.0% | $8,548-94.6% | $10,828-95.8% |